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Loyalty Rewards Checking
Loyalty Rewards Checking
Earn your rate! This tiered interest earning account rewards you on every day banking behaviors. The more qualifiers you meet, the higher your interest rate! And with additional account features including free online statements, free debit card, and unlimited check writing, it pays to be loyal!
Open your new Loyalty Rewards Checking account today!
Please choose from one of the following options.
If you are an existing customer, please click “Open a New Account” when logged into online or mobile banking.
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Free Online & Mobile Banking
Manage and control your finances in just a few clicks or on the go. Securely access your account and manage expenses 24/7.
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Nationwide ATM Fee Refunds
Receive fee refunds on your ATM withdraws nationwide. *Up to $10 monthly.
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Low $5 Monthly Service Charge
The monthly service charge is waived when qualifiers have been met during each monthly statement cycle.
Tiered Interest Rate Rewards!
- Tier Qualifiers
- Tier 1 eStatement and one qualifier is met in the monthly statement cycle
- Tier 2 eStatement and two of the qualifiers are met in the monthly statement cycle
- Tier 3 eStatement and three of the qualifiers are met in the monthly statement cycle
- Basic Tier For balances above $25,000, if eStatement and one qualifier is met in the monthly statement cycle
- Rate
- Tier 1 0.05%
- Tier 2 0.20%
- Tier 3 0.35%
- Basic Tier 0.01%
- APY
- Tier 1 0.05%
- Tier 2 0.20%
- Tier 3 0.35%
- Basic Tier 0.01%
| Tier | Tier Qualifiers | Rate | APY |
|---|---|---|---|
| Tier 1 | eStatement and one qualifier is met in the monthly statement cycle | 0.05% | 0.05% |
| Tier 2 | eStatement and two of the qualifiers are met in the monthly statement cycle | 0.20% | 0.20% |
| Tier 3 | eStatement and three of the qualifiers are met in the monthly statement cycle | 0.35% | 0.35% |
| Basic Tier | For balances above $25,000, if eStatement and one qualifier is met in the monthly statement cycle | 0.01% | 0.01% |
It’s Easy To Earn Your Rewards!
To earn your rewards, be enrolled in eStatements and meet at least one of the following qualifiers. Meet all 3 qualifiers to earn premium Tier 3 interest rate:
- 20 POS Debit Card Transactions per monthly statement cycle. *Must post and settle
- A Direct Deposit (credit) or ACH Payment (debit) of $500 or more
per monthly statement cycle - *Combined Personal (Non-Business, Non-Ag) Deposit & Loan
Relationship of $25,000 or more
Qualifying couldn’t be easier and there are no minimum balance requirements to earn interest! After all, you’re probably doing most of these already. Don’t meet the qualifiers during the monthly statement cycle? No problem! You can qualify and earn your interest rewards during the next monthly statement cycle!
Balances above $25,000 will earn the rate paid in the Basic Tier.
- Disclaimers
With Loyalty Rewards Checking, you can earn the following:
Tier 1 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 1 qualifier, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05% .
Tier 2 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 2 qualifiers, the interest rate paid on the entire balance will be 0.20% with an annual percentage yield of 0.20% .
Tier 3 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 3 qualifiers, the interest rate paid on the entire balance will be 0.35% with an annual percentage yield of 0.35%.
Basic Tier – An interest rate of 0.01% will be paid only for that portion of your daily balance that is greater than $25,000.00. Depending on the balance in the account, the annual percentage yield for this tier will be 0.01%, assuming a maximum account balance of $100,000.
Annual Percentage Yields accurate as of 02/01/2021. Rates may change after the account is opened. To earn interest, you must be enrolled in eStatements and meet a minimum of one qualifier during the monthly statement cycle. Minimum to open a Loyalty Rewards Checking account is $50. There is no minimum balance requirement to earn interest or receive ATM Fee refunds. If enrolled in eStatements and a minimum of one (1) qualifier is met each monthly statement cycle, Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and will be credited to your account on the last business day each month. A Service Fee of $5.00 will be charged each monthly statement cycle unless the account is enrolled in eStatements and a minimum of one qualifier has been met. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. Fees may reduce earnings. Personal accounts only. Limit one Loyalty Rewards account per household.